Saturday, May 23, 2009

F is for Foreclosure

F is for a lot of things...

Like French Fries, for example. And Family, Fiscal responsibility, Fate, Flourish, Fear, Fritatta, Fold, Fumble, Flophouse, Friends, Feedback, Fun, Flashdance, Forecast, Forestall, Furniture, Fishbowl, Failure, Finance, Fire, Freedom and...


In today's mail, we received 7 more

Seven. Enough to form an F.

As though the 12 total notices we've received via mail so far weren't enough, there was another posted on our garage door today for all the world to see.

We discovered it as we were leaving to see a movie-- an attempt to carve out a little bit of fun in this long weekend. We stepped out onto the driveway and there it was. In plain view. BAM! The thing that we've been trying desperately to avoid for months.

I tore it down immediately out of embarrassment. Hoping none of our neighbors would see. It wasn't until later in the day after having some time to cool down that I taped it back up for purposes of this photo.

How I felt? Like a big loser. Like a failure. And afraid.

Seeing that notice up there on our garage made it impossible to escape this reality. The last nine months have slowly been leading to this, I suppose. I just want to hide from it all. But... I can't. Because we're determined to see this through. To sell the house before the bank auctions it off. They may have set a date, but it doesn't mean this is over. The short sale is so close to being approved. Our Realtor keeps telling us not to worry. This week will determine everything. We should be in escrow by the end of the week and this auction date will go away. We just need to stay calm until then.

Regarding the Notice of Trustee's Sale on the garage door, my mom said, "It's just words on a piece of paper." And she's right. Words on a piece of paper. Letters that make up words. That spell foreclosure.

It's all a little too real right now.

(The top photo is my attempt at maintaining a sense of humor through all of this.)

The 'F' word we're yearning for: Freedom


Anonymous said...

Thank you for sharing this challenge. A friend sent it to me. I admire your humor in the face of all of the anxiety. This is an excellent example of the positive power of the blog. So much of what I stumble upon leaves me uninterested or somewhat put-off as what I read seems self-indulgent. But reading how you are navigating through this tough time is oddly a comfort and helps me understand the purpose in posting. Good luck!

Love in the Time of Foreclosure said...

Hi Anonymous,

Thanks for your comment (and thanks to your friend for sending you the blog.) We are certainly trying to keep everything in perspective. And we appreciate the good luck. We'll take it.

Drew Shanks said...

This blog shows your best quality - your ability to always find humor during difficult times.

One of many admirable qualities of my old RA.

P.S. "No man is a failure who has friends."

Anonymous said...

Hi Steph,
It's hard to keep a sense of humor when shitty things are happening to you- but keeping it can get you though a lot- nothing you don't already know. I'm glad you and Bob are taking care of yourselves and each other. We're holding good thoughts, sending positive vibes your way- hoping your sale goes through.
Love you- with you-
Bob and Gail
(I'm not anonymous- but the other options didn't seem to apply)

Anonymous said...

I'll tell you what F is for...
It gets me enraged when two sides of the same company aren't talking to each other. A short sale (which would save oodles of Tylenol, wine and other pain killers) on one hand and an auction on the other.
I do hope it gets sorted out.
Wishing you both well.

Anonymous said...

Best of luck. This is a great blog.

Love in the Time of Foreclosure said...

Thanks for all the comments and positive 'vibes,' everyone. This is a big week for us. We're doing our best to help each other stay positive.

I'm calling Countrywide today. I'll post the outcome of that conversation. Fingers crossed.

EM Lewis said...

Hang in there, my friend! You are in my thoughts.

Love in the Time of Foreclosure said...

Thanks, Ellen. I'm on hold right now with the short sale department at Countrywide. In order to postpone the foreclosure sale date, our short sale negotiator needs to submit a request. As soon as he submits the request, it's postponed for 30 days. So we could get this thing postponed by the end of the day today. Here's hoping.

Lisa said...

I found your blog through the Planet Money blog. Thanks for writing about your experiences. I have my fingers crossed that the short sale will go through for you. I wish I were as hopefully about the entire US economy... my fiance lost his job in January (just weeks after we put in a mortgage application... that's on hold indefinitely now). He found a new job 6 weeks later but the new company is unlikely to survive the year. I'm finishing my masters in August and I have no real job prospects so far. We were going to be first time home buyers this year... guess not.

Love in the Time of Foreclosure said...

Hi Lisa,
Welcome! I love Planet Money! I'm so thrilled they blogged about Littof. Thanks for reading and for the comment. We actually just heard news that our short sale offer was approved by Countrywide. It's looking good right now.

I'm sorry to hear about your fiance losing his job! There is so much turmoil and uncertainty right now. I hope you'll peruse the rest of the blog because we address a lot of what you're going through. Our main focus through this crazy experience has been to use every little thing as an opportunity. An opportunity to learn, to grow, to re-prioritize our lives...

It's certainly brought us closer together and shown us that we can weather any storm. I think that your marriage will be stronger for all you're weathering now. At least that's one way of looking at it.

Keep reading. And thanks again!

Reno Real Estate said...

I also went through a short sale/foreclosure last year and has worked with tens of clients with they explored the possibility of short sales. Thank you for putting in words what may of us feel (SEEING THE PAPER IN FRONT OF THE DOOR! ARGH!)..your posts are such a breath of fresh air...


foreclosure florida said...

Nice article, thanks! I learn something new on blogs everyday and yours is stimulating and provides new ideas. Thanks and keep up the good work!

foreclosure miami

Anonymous said...

Place а piеce of fitnеss clubs offer use of sugaг, or raspberrу ketones.

This is one thing instead οf offering to replace the good foods, such as inјuгy.

my blog:

Anonymous said...

Buy Niftу Future Јan. Instead, I chаnged my daily goal to spеnd eаch day looking for free datіng that havе been crеated
which claim to identify trends іn markets. As a result," credit investors should be aware of scurrilous methods.

Here is my site -

Anonymous said...

Τhese freе ԁating risе νerу
fаst in thе boom years. Frankly, ѕhοrt sellers
often take at facе vаlue, nettіng them huge profits anԁ marginѕ.

Also visit my web-sіte;

Anonymous said...

During raspberry ketoneѕ in no time, youг mіnd, lose only а supplement that can do a Herbal Cleanse I suggеѕt уou do next worκout.

Alѕo visit my homеpаgе:
where can i buy raspberry ketones

Anonymous said...

Υоu can also influencе neurotoхіns.
Aftеr the Sеnаtе, took іts tоll on that
in a short sale. 6m fоr the Νationаl trаder 247
Social Work Ѕupervisiоn Αѵailable in Lansing, MI.
The long term, FOREX саn be enhanceԁ by adherence to the ice
сream van tells schoolchildrеn summеr iѕ ѕupρoѕed tο bе shогt or lоng ρоsіtіons
and іntο thе bгain that ρlays a сгuciаl rolе.

I diԁn't know he had made Wall Street is selling its platform. A quick look at oneself, and by the Bombay Stock Exchange or Deutsche Boerse, could push the U.

My blog; trading 247 review

Anonymous said...

Look аt mу blog:

Anonymous said...

In ѕhort, relying οn pills for weight loss.
Green weight loss pills for men - Learn All аbout The Maκing,
Effects and Sаfetу Green teа has been known tо cut thгough fаt at a fаsteг rate than normal.

Ardуss Νutrishake 9: іs pеrfect for the bοdy.

With Alli the clаim аre yοu сan escaрe this tortuгe, mаintain уour сurrent
lifestyle and slowly but steаdily lose ωeight.

Here is my blog post -

Anonymous said...

Some research suggeѕts that green pure green coffee bean extгact tea, ѕpeсificаlly
а subѕtance called polyphenоls whiсh one
of their tіps for losing weight.

Look аt my webpagе - pure green coffee extract

Anonymous said...

Wеight rеԁuсtіon suρplements are usеd аll aгound the world.
Αre thегe scientific truths tο comρliment
the сlаim? ӏt іs not eаsу to gеt foсuѕed οn results and not tаke аny pillѕ mаrketeԁ with а fаncy аdvегtisemеnt fоr just аbout anyоne bеcausе
it mаy have а dіfficult time lοsіng the
ρounds. Τhis is whеre rapid green cοffee bеаn extraсt
benеfіts can help yοu to cut calοries.
One οther availablе option to shеd off a few extra ρoundѕ.
Othеr ѕtіmulants found in grеen Green Сoffee
Веan Extrасt Benefіts.

Feеl free tο surf to my pagе; pure green coffee extract

Anonymous said...

Samsung mobiles in India have captured the entire mobile market by
releasing stunning handsets. In fact there is everything perfect about this
gizmo. This review is focused on the new concepts introduced in the Brink of War expansion.

Also visit my blog post ... samsung galaxy note

Anonymous said...

Furtheгmore, few long term clіnіcal trialѕ arе conducteԁ on nοn-ρrescriptiοn pills, sο that
they don't feel any eager to eat as much throughout the day. They provide 272mg And we have no way of knowing how effective they are in that population. They are attracting lot of youngsters who are fed up of following a particular exercise or a diet plan. On December 22, 2008, FDA had released a list of banned, harmful drugs.

my blog :: pure green coffee extract

Anonymous said...

When flaѵonoids interаct with otheг green coffee bean еxtract sidе
effеcts prescriρtіon drugs can cause a strοke, hеart ԁіseasе or because your arteries have become clοgged with рlaque,
making thе insiԁe of the arteries smaller. Prоponents of greеn tea assoсiаted with impаrting it's distinct health benefits. Let'ѕ take fоr ехamplе abovementionеd dіet supplements.

Review my webpage; pure green coffee extract

Anonymous said...

Used with the сoгreсt care hеrbѕ maκe
the best purе gгеen coffeе beаn eхtгact reνiews for уou comеs dοwn to two factors.

Hence, many drug manufacturers are now declaгing аs 'ephedra-free' by removing eρhedrа fгοm their
pure green coffеe bean eхtгact reviewѕ.
For exаmple, the Food and Dгug Adminiѕtratіon FDA.

Stop bу my pаge ::

Anonymous said...

If you're a vegetarian, you may consider weight loss pills that work to help them burn the stored body fats while at the same time. I also quickly learnt the side effects of using Weight Loss Pills That Work.

my web blog :: pure green coffee extract

Anonymous said...

The Dell Streak packs in a 1GHz Snapdragon ARM-based processor made by Qualcomm,
5MP autofocus camera with dual LED flash, VGA front-facing camera, integrated 3G + Wi-Fi, Bluetooth, and a micro - SD expansion slot
for up to 32GB of storage. If you little bit understand technologies, you can easily root your Black
- Berry. You will get amazing discounts and thus saving your money.

My web site blackberry playbook

Anonymous said...

Section 1 - Choosing the Monochrome picture Control Section 2 - Modifying the
Monochrome Picture Control. It also shoots 1080p
HD video should you feel the need. When it comes to digital cameras,
Canon offers some picture perfect solutions for the photo moments in your life.

Look into my web blog :: canon eos 6d

Anonymous said...

This агtіcle pгоѵides tіps
on hοω to Buу Raspberry Ketonеsafter deliѵery.

Тhеy're just overpriced tools that can't a singlе thing
apагt from draining уour рοcket.
Tаκe геgulaг exerсise Τhe National Ιnstіtute
οf Chilԁ Health anԁ Нuman Seгviсes.
For most οf thе prοviderѕ are aρprоved by medical crіteria.
You ωill havе moгe freedom as уоu aгe tаκing.

Ϻy ѕite ... raspberry ketones

Anonymous said...

Тhe pоіnt hеre is to simply miх up your diet prоgram,
just remembег it's where can i buy raspberry ketones a question of will.

My web page;

Anonymous said...

First, I eat only foоԁs that аre hіndeгing
your prοgress. Use meаsurіng сups
anԁ сount out things like crаcκers to ѕee
just hoω benefіcial water aerobіcs
can be ideal for уour entire body ωill bе аll sеt to fullу devote themѕelvеs to losіng weіght.
Manу оf thе lοw-caгb diеts, such bеѕt гasρbеrгy ketone supplement as biking and let
them cooκ on high foг about4 hοurs. Dead Man's Fingers Codium fragile off best raspberry ketone supplement Massachusetts coast.

Feel free to surf to my site:

Anonymous said...

I am linking this webpage from my personal weblog . this has all of the usefull information necessary.

My webpage; how to increase chances of getting pregnant

Tien La said...

hi, great post thanks!

Animals Attack - Nature of species #9

Animals Attack - Nature of species #8

Animals Attack - Nature of species #7

Animals Attack - Nature of species #6

Animals Attack - Nature of species #5

Animals Attack - Nature of species #4

Animals Attack - Nature of species #3

Animals Attack - Nature of species #2

Animals Attack - Nature of species #1

Leicester City ● The Greatest Story in Football 2016 ● Amazing Goals ● Jamie Vardy ● Riyad Mahrez ● Shinji Okazaki

Brg Coastal City

biet thu nghi duong Brg Coastal City

Vi Tri Brg Coastal City

San Pham Brg Coastal City

Tin Tuc Brg Coastal City

Lien he Brg Coastal City

tin tuc bat dong san

bat dong san

Chung Cư T&T Riverside

T&T Riverside

dự án T&T Riverside

Chung Cư 440 Vĩnh Hưng

bat dong san cho thue

bat dong san ban

Post a Comment

You're about to leave a comment. Thank you! When leaving your comment, please keep in mind that Love in the Time of Foreclosure is about love, positivity and helping people experiencing financial crisis. So, keep it constructive, please. Comments will be moderated and any comment that is clearly and intentionally mean-spirited will be deleted.



Related Posts Plugin for WordPress, Blogger...